Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Received a letter today requesting £10 before proceeding with DPA request, which is normal.
However it also says they will provide all details of charges only back to august 2001 and prior to that date they will provide statements (I requested back to january 2001).
Should I accept this? I'm concerned that by providing me with just the details of charges they can 'manipulate' the figure somewhat. Having illegaly charged me for years now I have no reason to trust them to proivide accurate info on them illegal charge really.
I understand your concerns but i doubt any bank would be foolish enough to not provide information that they have a legal duty to provide, it's one thing acting unlawfully and another acting illegally, you just have to trust them i'm afraid.
There is no rule that dictates the format they provide the information in, so if they want to provide some of it as a list of charges and the rest in the form of statements then so be it, as long as you get the info.
You can not insist on statements, only the information they contain, therefore they can provide the information in any form.
Is that the first time you've ever looked forward to seeing a charge?
Good Luck
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Thanks, and yep we checked and double checked and got all excited when we counted another charge
I intend to keep my progress updated here for the next steps.
I know exactly what you mean m8, ive just done the same using the online banking statements but can only go back 3 and a half years (£2500 owed already), getting really excited about the other 2 and a half years arriving now !!
Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.
Statements recieved 5th May 2006
Claiming back = £3913.65
Preliminary Letter Sent 5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May
Letter Before Action Sent 9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May
Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.
Acknowledged 15th June (28 days to defence)
Time up on 13th July.
Forum clean up - your claim threads have been merged. Please try to keep all posts about your claim to a single thread only. Thanks
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Well, we've had to take a long break from this business thanks to a messy house move, but we're now settled again and started the process going again with an lba sent on the 27th July.
From now on I shall update on progress, right to the bitter end.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Response recieved today. Standard reply, referring us to Banking Ombudsman and confirming that there is nothing to add and it is the banks final response.
DPA response
Reply With Quote
Good Luck 
Originally Posted by mortuk2k
